Natural hazards · Concord

Concord, IN natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 160 claims here since 1978.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Concord?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 15% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves22%Tornadoes13%Strong wind6%Everything else10%

By hazard

What Concord faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

49% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once every 3 years in the area

Cold waves

22% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 64% of U.S. places

Strong wind

6% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Concord flood?

Every paid claim on a federal flood insurance policy in Concord, from FEMA’s records.

160paid claims since 1978

$1.6Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 1 claim, $854

of homes in flood zones
are insured

of all homes
are insured

No community discount. Concord isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Elkhart County.

Disasters that hit Concord

Federal disasters declared here

None of the disasters declared for Elkhart County shows FEMA aid or repair money reaching Concord itself in FEMA’s records.

Brought FEMA money into ConcordDeclared for Elkhart County only

Elkhart County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Elkhartmostly inland floodingVery low

Concordmostly inland floodingVery low

Jeffersonmostly inland floodingVery low

Osolomostly inland floodingVery low

Baugomostly inland floodingVery low

Goshenmostly inland floodingVery low

Elkhartmostly inland floodingVery low

Clevelandmostly inland floodingVery low

Harrisonmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Concord covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Concord’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Concord. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Concord total about $12.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.